factortrust

Founded in 2005 and acquired by TransUnion in 2017, FactorTrust is a specialized consumer reporting agency focusing on non-prime and underbanked consumers. The company gathers and analyzes alternative credit data, such as short-term loan performance, rent-to-own agreements, and payment history, which is not typically found in traditional credit files. This data allows lenders and service providers to assess the creditworthiness of individuals with limited or no conventional credit history, thereby promoting financial inclusion while helping businesses manage risk. As a brand within TransUnion, FactorTrust's capabilities are integrated into TransUnion's broader suite of risk and information solutions.